Idalia Nayestani, Credit & Product Development Analyst
Idalia Nayestani joined the Credit Services team in 2015. She worked with all verticals offered by Landsafe with a primary focus on credit, flood and appraisal departments.
With several years as a project manager, a client relationship manager, and understanding of ancillary products, Idalia is able to implement solutions and systems that will benefit the team and organization while maintaining professionalism and service levels.
Idalia is certified to give CE course in Arizona and Nevada and will assist with many of the classes offered.
Kevin Kostoff, Senior Loan Officer
Kevin has many years of experience, education and teaching in the mortgage/real estate industry. It is his passion to help clients get the right loan for their financial situation that sets him apart. Treating each client as his top priority has been the hallmark of his success and why he consistently ranks in the top 1% of all originators nationwide. His clients, real estate partners and business referrals all know Kevin is genuinely invested in bettering the client’s financial situation by positioning them into the best loans product for their needs and qualifications.
Kirk is an expert in mortgage products and the mortgage process. Kirk started his career in the mortgage industry in 2003, working in the operations side of the business as a capital markets/product analyst and then transitioned to specialize in production development & support. Kirk eventually became a corporate trainer, a role in which he was able to use his broad knowledge of the mortgage industry to help mortgage companies improve and grow by training Loan Officers and operational staff. Now, as a Loan Officer, Kirk is able to use his expertise to advise and educate clients and guide them through the mortgage process, while providing superb service and communication. In his free time, Kirk enjoys mountain biking, traveling, and spending time with his wife and two daughters.
Manny Hernandez has been in the mortgage credit industry for over 20 years. His experience began as a team lead with a local mortgage credit reporting firm in Tucson, Arizona and grew to launching an in house credit reporting agency for a nationally ranked mortgage lender. The unique background of working with both a mortgage credit agency and for a mortgage firm has provided me with the knowledge and background to become one of the leading professionals in the mortgage credit industry.
Nelson Howe, VP/Senior Loan Officer
Nelson Howe is a second-generation, Denver native with 20+ years of experience in the real estate and mortgage industry respectfully. As a Mortgage Vice President/Sr. Loan Officer for the DTC NOVA Home Loans office, Nelson has successfully originated a variety of home loans ranging from first time homebuyers to seasoned real estate investors (FHA, VA, CONV).
Prior to his time in the mortgage industry, Nelson Howe spent over 10 years in the real estate industry as a managing broker and top-producing agent. Nelson's deep knowledge of both the real estate and mortgage industry allow him to see the big picture and assist his clients in identifying the right loan package for each unique situation.
Nelson enjoys educating his clients throughout the loan and buying process so they are able to make an informed decision. His "client first" mentality has helped him develop an outstanding reputation in the real estate community and has created a broad network of satisfied past clients.
Outside of the office, Nelson is married and the proud father of his 2 children. He enjoys mountain biking, hiking, skiing, and volunteering his time to support his children's charities in his community.
Thomas Higgins, Credit & Product Development Analyst
Tom Higgins started his career in mortgage lending in 2000 and is thrilled to be a continuing education instructor. Tom’s experience with Secondary Marketing, Business Process Development, Training and loan origination has given him a unique perspective on industry changes over the past two decades. Working with Credit Services, he works closely with credit vendors, has a dedication to client relationships, as well as a personal drive to help borrowers overcome their credit challenges.
Troy Howell, Senior Loan Officer
In the mortgage business for close to 25 years, Troy is a seasoned veteran who enjoys making the dreams of his clients a reality. And, as he was a real estate agent before becoming a loan officer, his knowledge and experience allow him to serve his customers from beginning to end.
Troy believes in answering all questions posed by his clients; while educating them throughout the home loan process. He makes it a point to provide information about different loan products and programs, along with the packaging of the loan, that meet both short term and long term financial goals. Being a long officer is something that comes naturally to Troy. Whether he is helping borrowers purchase their first home or perhaps improve their financial situation with a refinance, he works tirelessly to ensure that all of their needs are being met for years to come.
As a Denver native, he is passionate about his community. Troy and his wife have raised their four sons within the Denver area and enjoy everything that comes with being a native Coloradoan. When he isn’t working, he spends his time with family, working on cars, home improvement projects (which sometimes seem to be never-ending) and kart racing.